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A great start on a Monday with Chase

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JLRDC909
Frequent Contributor

A great start on a Monday with Chase

A few years back I went on a major app-o-Rama with a lot of issuers. Got some great cards, good SUBS, but of course, that knocked me out with Chase. 

My choice airline is American, but I've been eyeing the United Quest card because of a destination that I visit a couple times a year, and United has the best flight options and we both check a couple bags. The checked bag fees, along with the $125 United Credit will negate any fee on this card (current AF is $250). 

In November of 2021 I tried testing the waters trying to get approval at 5/24. Every card I did this was declined. In April I fell under 5/24 And Decided to apply in May. I was declined for too many new accounts opened in the past 24 months. Agent told me to wait and reapply. I should have pressed harder for approval. She was really a tough agent and not budging even though I was definitely under 5/24

 

Anyways. DPs listed below 

 

Chase Quest:  approved. 
CL: $16,300

APR: 21.24% but I PIF anyways. 
5/24 status: 3/24 now with this approval I am 4/24. 
Income :$100k
Housing: Owned/paid off mortgage. 
total credit limits on all cards: $200,000

no derogatory items. No lates.
CB pulled:  as usual, Chase is a double-puller. Seems like Experian was pulled first and then EQ shortly after. 

will garden for a while (1 year) 

 

So far, been a good morning. 

JR
Message 1 of 17
16 REPLIES 16
gdale6
Moderator Emeritus

Re: A great start on a Monday with Chase

Sweet approval for you, grats on getting it done!

Message 2 of 17
Yasselife
Valued Contributor

Re: A great start on a Monday with Chase

Congratulations! 🤝






Message 3 of 17
coreyb80
Super Contributor

Re: A great start on a Monday with Chase

Congrats on the nice approval!

Message 4 of 17
TSlop
Valued Contributor

Re: A great start on a Monday with Chase

Congrats on your approval!

Message 5 of 17
SouthJamaica
Mega Contributor

Re: A great start on a Monday with Chase


@JLRDC909 wrote:

A few years back I went on a major app-o-Rama with a lot of issuers. Got some great cards, good SUBS, but of course, that knocked me out with Chase. 

My choice airline is American, but I've been eyeing the United Quest card because of a destination that I visit a couple times a year, and United has the best flight options and we both check a couple bags. The checked bag fees, along with the $125 United Credit will negate any fee on this card (current AF is $250). 

In November of 2021 I tried testing the waters trying to get approval at 5/24. Every card I did this was declined. In April I fell under 5/24 And Decided to apply in May. I was declined for too many new accounts opened in the past 24 months. Agent told me to wait and reapply. I should have pressed harder for approval. She was really a tough agent and not budging even though I was definitely under 5/24

 

Anyways. DPs listed below 

 

Chase Quest:  approved. 
CL: $16,300

APR: 21.24% but I PIF anyways. 
5/24 status: 3/24 now with this approval I am 4/24. 
Income :$100k
Housing: Owned/paid off mortgage. 
total credit limits on all cards: $200,000

no derogatory items. No lates.
CB pulled:  as usual, Chase is a double-puller. Seems like Experian was pulled first and then EQ shortly after. 

will garden for a while (1 year) 

 

So far, been a good morning. 


Congratulations on finally getting approved for it.

 

Some people are just gluttons for punishment Smiley Happy


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 691

Message 6 of 17
CreditAggie
Community Leader
Super Contributor

Re: A great start on a Monday with Chase

Congratulations on your Chase approval !

Current Cards (in order of approval):

         
Current FICO 8 | 9 (April 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 7 of 17
CreditMagic7
Mega Contributor

Re: A great start on a Monday with Chase

Congratulations on the good Chase Quest card approval this time!  Smiley Happy

Message 8 of 17
Elpadrino1
Valued Contributor

Re: A great start on a Monday with Chase

Congratulations on your approval!!

Message 9 of 17
NalekSok
Regular Contributor

Re: A great start on a Monday with Chase

Congratulations on your approval! 🎉






Message 10 of 17
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